9 Tips on How to Repair Your Bad Credit | How To Fix Your Credit


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9 Tips On How To Repair or Reestablish Your Bad Credit

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Home > Bad Credit Car Loan Help

In the below article we'll tell you how to fix and improve your credit score.

The first thing a lender wants to know is your credit rating. For example, if you have a credit score of 700 or higher that's considered to be a great score. This type of credit score will allow you to get any loan you want. If you have a credit score of approx. 620 then the lender will say to themselves "well that's an okay credit score, we'll lend this person/family money".

If you have bad credit or your credit score is low or if you want to reestablish your credit the first thing you should do is

1. Pay your bills on time. This includes rent, utilities, credit card, car payments etc .. and as soon as you start making these payments on time you'll start reestablishing and improving your credit score.
2. Avoid companies that offer assistance or promise to lower your credit score if you pay them a monthly fee. Most consumer reporting agencies that investigate these types of businesses have said they don't work and there not affective at helping people improving there credit.
3. Set up payments to be auto-deducted so you never miss a payment. For example, if constantly forget to pay for car loan then you can call the financial company that's lent you the money and have them automatically take out the monthly payment from your checking account.
4. Consolidate your high interest credit cards. You can consolidate all of your credit cards into one monthly payment and by doing this you'll lower your APR a little bit and remember to keep your payments on time.

5. Get Your Credit Lines lowered. The reason for this is simple. If you have more money available for you to borrow then the lender will look at this as negative because you run the risk of putting yourself deeper into debt. If you have less money available for you to borrow then they'll look at this as a positive because you'll have less of a chance of going deeper into debt.
6. Establish New Credit. For example, getting a new gas card and make sure you make your payments on time!
7. Avoid a lot of credit inquiries. When applying for a loan try to avoid applying to a bunch of different lenders because the more credit inquires you have the lender will be saying to himself "this guy is trying to get lot's of money .... what's up with that ...." and that can hurt your credit score, so please try to avoid that when applying for a loan.
8. Stay focused and don't late with your payments!
9. Check your credit score again in about 7-9 months and you'll see an improvement!

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